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Ally Financial ALLY Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$2.1BMiss by $21.0MDiluted EPS$1.09Beat by $0.08
Revenue estimate$2.1B
EPS estimate$1.01

Next report

Jul 21, 2026 (In 1 week)
Revenue estimate$2.2B
EPS estimate$1.27

Financials

Q4 2025

Income statement

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Revenue$2.1B+4.8%
Net income$327.0M+203%
EPS (diluted)$0.96+269%

Balance sheet

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Cash & equivalents$11.8B+3.8%
Total debt$23.4B+45.8%
Total equity$15.5B+11.5%
Total assets$196.00B+2.2%

Cash flow

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Operating cash flow$640.0M-32.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$13.95B+27.1%
Enterprise value$25.52B+63.3%
P/E16.4×-0.1×
P/S1.8×+0.4×

Profitability

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Net margin10.8%+2.6pp

Returns & leverage

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Return on equity5.8%+1.0pp
Debt / equity1.5×+0.4×

Segments

By product

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Noninsurance contracts$242.0M-0.4%
Remarketing fee income$26.0M+8.3%
Brokerage commissions and other revenue$21.0M0.0%
Banking fees and interchange income$5.0M-58.3%
Brokered/agent commissions$1.0M-80.0%

By segment

See full
Automotive Finance operations$1.4B-1.6%
Insurance operations$426.0M+12.4%
Corporate Finance operations$142.0M-4.1%

Versus estimates

Revenue

Q1 2026$2.1BMiss by $38.9M
Q4 2025$2.1BMiss by $21.0M
Q3 2025$2.4BBeat by $255.1MQ2 2025$2.3BBeat by $244.7MQ1 2025$1.8BMiss by $278.1MQ4 2024$2.2BBeat by $220.9M

Diluted EPS

Q1 2026$1.11Beat by $0.18
Q4 2025$1.09Beat by $0.08
Q3 2025$1.15Beat by $0.15Q2 2025$0.99Beat by $0.18Q1 2025$0.58Beat by $0.16Q4 2024$0.78Beat by $0.21

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Questions, answered.

When did Ally Financial report Q4 2025 earnings?
Ally Financial (ALLY) reported Q4 2025 earnings on January 21, 2026 before market open.
What were Ally Financial's Q4 2025 revenue and EPS?
Ally Financial reported revenue of $2.1B and diluted EPS of $1.09 for Q4 2025.
Did Ally Financial beat estimates in Q4 2025?
Revenue missed the consensus estimate of $2.1B by $21.0M. EPS beat the consensus estimate of $1.01 by $0.08.
How did Ally Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.2% from $2.2B a year earlier and diluted EPS grew 39.7% from $0.78.
Where can I find Ally Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-017242) and the 10-K periodic report (0000040729-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.